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Dawn Garrels – Mortgage Loan Originator : Mortgage Expert : Community Advocate With over 20 years in the mortgage industry, Dawn Garrels is a trusted and experienced, dedicated to helping individuals and families achieve the dream of homeownership. Her career began in 2001 on the packaging and warehousing side of lending, evolving into roles in processing, auditing, and operations — giving her a 360° view of the loan process that few can match. In 2003, Dawn began working closely with one of the top 100 loan originators in the nation, supporting high-volume production and mastering the details that turn complex loans into successful closings. From 2008 to 2011, she served as an internal auditor for a law firm investigating mortgage fraud across South Florida circuit courts — further strengthening her knowledge of compliance and risk. Over the past several years, Dawn has led operations for originators in the top 1% of her company, ensuring every file is handled with precision, care, and speed. Now, she combines her deep operational knowledge with her passion for people — delivering expert guidance and a seamless, stress-free experience for every borrower. Dawn specializes in FHA, VA, USDA, and Conventional loans, and takes pride in educating and empowering her clients — whether they’re first-time homebuyers, seasoned homeowners, or investors building wealth through real estate. Her commitment to transparency, communication, and results sets her apart in today’s competitive market.
A proud mother of two and Nona to three, Dawn is also a Law Enforcement Wife to a retired Deputy Sheriff. She serves her community through her church board, the local Lions Club, and supports local Veterans and service members with unwavering dedication. For Dawn, this isn’t just a job — it’s a mission. She doesn’t just close loans — she opens doors. 🏡 Ready to Buy or Refinance? Let’s Make It Happen. Whether it’s your first home, dream home, or investment property, Dawn Garrels is the expert you want by your side — experienced, committed, and ready to guide you home.
Rating: 5.0 out of 5.0 from Encompass Dawn and her team were very attentive to detail right from the first conversation. We had some delays and her team worked right them with ease. We are so thankful we had this team to work with. Joseph PaulSummerfield, FL Sep 02
Dawn and her team were very attentive to detail right from the first conversation. We had some delays and her team worked right them with ease. We are so thankful we had this team to work with.
Rating: 5.0 out of 5.0 from Encompass Dawn went above and beyond to make sure the buyer closed on time and had great communication. Even with all the bumps in the road we had she made it easy! ScottOcala, FL Sep 01
Dawn went above and beyond to make sure the buyer closed on time and had great communication. Even with all the bumps in the road we had she made it easy!
Rating: 5.0 out of 5.0 from Encompass Buying and selling a home at the same time is incredibly stressful, but Dawn made all the difference. She kept me feeling calm, secure, and always managed to put a smile on my face every time we spoke. In the toughest moments, having someone in your corner who is truly grounded and confident in the process is invaluable. BeatrizCitrus Springs, FL Aug 31
Buying and selling a home at the same time is incredibly stressful, but Dawn made all the difference. She kept me feeling calm, secure, and always managed to put a smile on my face every time we spoke. In the toughest moments, having someone in your corner who is truly grounded and confident in the process is invaluable.
Rating: 5.0 out of 5.0 from Encompass Dawn was very patient and walked me through the whole process I highly recommend her services to anyone looking to purchase a home. ChristopherOcala, FL Aug 16
Dawn was very patient and walked me through the whole process I highly recommend her services to anyone looking to purchase a home.
Rating: 5.0 out of 5.0 from Encompass Well informed. Just a little hick-up at closing. ClarenceOcala, FL Aug 14
Well informed. Just a little hick-up at closing.
Rating: 5.0 out of 5.0 from Encompass Dawn worked on everything very quickly, kept us informed of everything needed, the process, and guided us throughout the whole process. She made a potentially stressful situation into a joyful one. She was very professional and communicated with us constantly. FranchescaOcala, FL Aug 13
Dawn worked on everything very quickly, kept us informed of everything needed, the process, and guided us throughout the whole process. She made a potentially stressful situation into a joyful one. She was very professional and communicated with us constantly.
Rating: 5.0 out of 5.0 from Encompass Working with Dawn Garrels was an outstanding experience! She made the mortgage process smooth and stress-free for our client from start to finish. Dawn was knowledgeable, responsive, and always available to answer questions and provide updates throughout the transaction. Her professionalism, attention to detail, and dedication helped our client suc... ScottBrooker, FL Aug 09
Working with Dawn Garrels was an outstanding experience! She made the mortgage process smooth and stress-free for our client from start to finish. Dawn was knowledgeable, responsive, and always available to answer questions and provide updates throughout the transaction. Her professionalism, attention to detail, and dedication helped our client suc...
Rating: 4.7 out of 5.0 from Encompass Made everything very easy Geoffrey AlanInverness, FL Aug 06
Made everything very easy
Rating: 5.0 out of 5.0 from Encompass I have worked with Dawn for several deals, she is always amazing. She has great communication and amazing customer service. She goes above and beyond all expectations. My clients love her. BradInverness, FL Jul 26
I have worked with Dawn for several deals, she is always amazing. She has great communication and amazing customer service. She goes above and beyond all expectations. My clients love her.
Rating: 5.0 out of 5.0 from Encompass Dawn was excellent to work with. She was alway responsive and took great care attending to the needs of the transaction. Dawn and her team worked diligently to get the deal closed fast with the least amount of hassell. ScottMorriston, FL Jul 06
Dawn was excellent to work with. She was alway responsive and took great care attending to the needs of the transaction. Dawn and her team worked diligently to get the deal closed fast with the least amount of hassell.
Rating: 5.0 out of 5.0 from Encompass This was my first home buying expeirence and Dawn was amazing to work with. Communication was clear and more importantly Dawn was very patient and took time to explain all questions I had throught the process. Steven JoeOcala, FL Jun 18
This was my first home buying expeirence and Dawn was amazing to work with. Communication was clear and more importantly Dawn was very patient and took time to explain all questions I had throught the process.
Rating: 5.0 out of 5.0 from Encompass Experience and guidance at every step of the process. A fast process—thank you very much for everything. Edgar JoelOcala, FL Jun 05
Experience and guidance at every step of the process. A fast process—thank you very much for everything.
Rating: 5.0 out of 5.0 from Encompass Dawn was amazing to work with, very professional and great to work with. I would highly recommend her!!! 5 stars PLUS!!! OdetteOcala, FL Jun 05
Dawn was amazing to work with, very professional and great to work with. I would highly recommend her!!! 5 stars PLUS!!!
Rating: 5.0 out of 5.0 from Encompass I am so grateful—they made my dream come true. They work quickly and provide guidance and answers to any questions every step of the way. I recommend them wholeheartedly.Thanks dawn G 🌸🌸🌸🏠🏠🏠👏🏻 GloriaOcala, FL Jun 05
I am so grateful—they made my dream come true. They work quickly and provide guidance and answers to any questions every step of the way. I recommend them wholeheartedly.Thanks dawn G 🌸🌸🌸🏠🏠🏠👏🏻
Rating: 5.0 out of 5.0 from Encompass Communication was clear and defined! Everything went well! Jessica MichelleDunnellon, FL May 27
Communication was clear and defined! Everything went well!
Rating: 5.0 out of 5.0 from Encompass Answered any questions we had and made the process smooth TaylorOcala, FL May 13
Answered any questions we had and made the process smooth
Rating: 5.0 out of 5.0 from Encompass Great communication great response time and very clear breakdown when questions were asked Devin LeeDunnellon, FL May 03
Great communication great response time and very clear breakdown when questions were asked
Rating: 5.0 out of 5.0 from Encompass I was informed on what was happening all the time, and helped me get everything done. JacquelineOcala, FL Apr 03
I was informed on what was happening all the time, and helped me get everything done.
Rating: 5.0 out of 5.0 from Encompass Dawn and her team were so easy to work with and helped me and my husband more than we could imagine. She made this process for us so smooth and easy. If reccomend her to anyone I know! Cailynn TOcala, FL Mar 31
Dawn and her team were so easy to work with and helped me and my husband more than we could imagine. She made this process for us so smooth and easy. If reccomend her to anyone I know!
Rating: 5.0 out of 5.0 from write_review One of the most honest, most amazing intelligent people I know! Rosalina Mar 28
One of the most honest, most amazing intelligent people I know!
Rating: 5.0 out of 5.0 from Encompass Dawn was hands down what made this experience great I have bought and sold a few homes and this one by far was the smoothest! JustinDunnellon, FL Mar 24
Dawn was hands down what made this experience great I have bought and sold a few homes and this one by far was the smoothest!
Rating: 5.0 out of 5.0 from Encompass Dawn went above and beyond for my family during the entire process. She made me feel like family. I cannot put into words how great she was. LauriDunnellon, FL Mar 24
Dawn went above and beyond for my family during the entire process. She made me feel like family. I cannot put into words how great she was.
Rating: 5.0 out of 5.0 from Encompass Their communication was clear and timely, and they handled every detail with professionalism and efficiency, making the transaction smooth from start to finish. ShairaDunnellon, FL Mar 23
Their communication was clear and timely, and they handled every detail with professionalism and efficiency, making the transaction smooth from start to finish.
Rating: 5.0 out of 5.0 from Encompass Great communication very professional overall the best I could've asked for Nicholas LOcala, FL Mar 03
Great communication very professional overall the best I could've asked for
Rating: 5.0 out of 5.0 from Encompass Kept me well informed able to text and get answers quickly wish it wasn't going to be sold to another lender EdwardOcala, FL Feb 27
Kept me well informed able to text and get answers quickly wish it wasn't going to be sold to another lender